Individuals & Families

Align Your Future.

Investment Strategies

Transitioning into Retirement

Insurance as a Tool

The Next Generation

College Planning

Investment Strategies

The investments used to assemble your portfolio will depend on your financial goals, your tax bracket, other investments you own, your current life circumstances, and other changes-anticipated or unforeseen. Your investment strategy will sometimes require modifications to flex with your life. Some areas of focus include:

Tax efficient income
Tax efficient growth
Investment planning to maximize benefits
1031 exchanges
AMT considerations with respect to investments and corporate benefits

Transitioning into Retirement

One of the biggest life transitions is moving into retirement. Shifting reliance from your paycheck to your pension or retirement savings can be exciting and overwhelming. Ideally, the planning will begin several years before your actual retirement date. We work with our clients to map out exactly where their retirement dollars will come from, how to create income streams from their savings, how to manage their resources tax-efficiently, and hold their hands through the process of organizing their benefits from Social Security, Medicare, pensions, retirement plans, and insurance.

Insurance as a Tool

Insurance is often an overlooked resource in the planning process. Insurance, like investments, needs to be reviewed periodically to ensure policies perform as needed and that the premiums and benefits are still in line with a client’s financial needs. Tax ramifications of insurance benefits are also an important consideration. Putting the right insurance in place enables clients to build and keep wealth.

Disability
Life
Second to Die
Long-term Care

Passing Your Assets or Business to the Next Generation

For many clients, one of their financial goals is to create or leave an inheritance for their children and grandchildren. Sometimes this is through gifting while still living, other times as a gift of assets after passing, or a combination of both. In more complex situations it is a family business or operation that must be transitioned. There are many ways to accomplish this. Family dynamics and different needs and personalities might require some creative planning. We enjoy using our planning expertise and product knowledge to accomplish this.

College Planning

College costs are one of the largest expenses facing parents. Like most things in life, the sooner you start talking about a plan the more options you have. We have worked in conjunction with college planners, recruiting consultants and tax advisors to coordinate the financial aid planning and tuition funding for our clients’ children and grandchildren.

Ready to find out more?

Kestra IS and Kestra AS do not provide legal or tax advice. Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax and legal counsel.